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Estimate a 0%-down USDA loan payment in eligible California areas, including the guarantee and annual fees.
USDA loans allow 0% down in eligible rural and suburban areas. Standard fees are ~1% upfront (financed) and ~0.35% annual. Payment is principal, interest, and the monthly annual fee; taxes and insurance are extra.
USDA loans offer 0% down for eligible buyers in qualifying rural and suburban California areas, subject to income limits. The upfront guarantee fee is usually financed into the loan; the annual fee is spread across monthly payments. Check the full rules on our USDA loan program page and compare USDA vs FHA.
Yes — eligible USDA loans finance up to 100% of the home's value, so 0% down. You still pay closing costs and the guarantee fees.
Typically about a 1% upfront guarantee fee (usually financed) and a ~0.35% annual fee spread across monthly payments.
Many suburban and rural California areas qualify, subject to USDA maps and income limits. Call us and we'll check your address.
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